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All Journal Dialektika: Jurnal Ekonomi dan Ilmu Sosial HASANUDDIN JOURNAL OF BUSINESS STRATEGY Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (JASMIEN) Jurnal Aplikasi Manajemen dan Bisnis (JAMB) Jurnal Akutansi Manajemen Ekonomi Kewirausahaan (JAMEK) JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) SYNERGY: Jurnal Bisnis dan Manajemen JURNAL PABEAN : PERPAJAKAN BISNIS EKONOMI AKUNTANSI MANAJEMEN Journal Online Manajemen ELPEI (JOMEL) Abdi Cendekia: Jurnal Pengabdian Masyarakat Business Management Economics and Business Journal Jurnal Mutiara Ilmu Akuntansi Jurnal bintang manajemen Teknovokasi : Jurnal Pengabdian Masyarakat Manajemen Kreatif Jurnal Kreativitas Pada Pengabdian Masyarakat (Krepa) Jurnal Ekonomi, Akutansi dan Manajemen Nusantara Sabangka Abdimas Jurnal Pengabdian Masyarakat Sabangka Neraca Manajemen, Akuntansi, dan Ekonomi Master Manajemen Baashima: Jurnal Bisnis Digital, Akuntansi, Kewirausahaan, dan Manajemen Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi Jurnal Medika: Medika Celebes Journal of Community Services AKSELERASI: Jurnal Pengabdian Masyarakat Jurnal Ilmiah Akuntansi Jurnal Ilmiah Manajemen dan Akuntansi Manfaat: Jurnal Pengabdian Pada Masyarakat Indonesia Jurnal Ekonomi, Manajemen, Akuntansi Journal of Studies in Academic, Humanities, Research, and Innovation International Journal of Education Management and Religion Jurnal Ilmiah Manajemen Dan Kewirausahaan Journal of Economics and Management Technologies Jurnal Ilmiah Akuntansi dan Keuangan (JIAN)
Indri Iswardhani
Universitas Negeri Makassar
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Journal : Master Manajemen

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Analisis Kesehatan Sektor Bank Digital yang Terdaftar di BEI dengan Pendekatan Risk Based Bank Rating pada Periode 2022-2024 Iswardhani, Indri
Master Manajemen Vol. 3 No. 3 (2025): Master Manajemen
Publisher : Fakultas Ekonomi & Bisnis, Universitas Nusa Nipa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59603/masman.v3i3.1074

Abstract

This study aims to analyze the health of the digital banking sector listed on the Indonesia Stock Exchange (IDX) for the period 2022-2024 using the Risk-Based Bank Rating (RGEC) approach, which involves four main aspects: risk profile, good corporate governance, earnings, and capital. The research method used is descriptive quantitative analysis with secondary data. The sampling method was purposive sampling, which includes four digital banks listed on the IDX: ARTO (Bank Jago Tbk), BBHI (Bank Harda Internasional Tbk), BBYB (Bank Neo Commerce Tbk), and AMAR (Bank Amar Indonesia Tbk). The results show that based on the composite value calculations, these digital banks have shown significant improvement, moving from a composite rating of 3 (PK-3) with a "fairly healthy" predicate in 2022 to a composite rating of 2 (PK-2) with a "healthy" predicate in 2023 and 2024. Although improvements have been made in several key areas, such as risk management and profitability, the main challenges still faced by digital banks are liquidity management and credit quality, reflected in the high Loan to Deposit Ratio (LDR) and significant Non-Performing Loans (NPL). This study also emphasizes the importance of strengthening good corporate governance (GCG) principles and more effective risk management to support the sustainability and growth of the digital banking sector in Indonesia. Therefore, digital banks need to focus more on improving liquidity management, credit quality, and enhancing the efficiency of margin and capital management to overcome future challenges and strengthen their position in the digital banking industry.
Co-Authors Achmad Ridha Ade Ikhlas Amal Alam Andi Rinda Oktariani Angreyani, Andi Dewi Aslam, Annisa Paramaswary Azlan Azhari Bando, Ushwa Dwi Masrurah Arifin Husain, Fakhirah Josafat Gracia Ginting M. Yunasri Ridhoh Muh. Irshan Sachrir Muhammad Rijal Alim Rahmat Nulthazam Sarah Nur Fadilah Ayu Sandira Nurdin Brasit Nurman Rahayu Alkam Rahmat, Muhammad Rijal Alim Ria Mardiana Ridwan Andi Mattoliang Rostina Rostina Rostina Sri Astuti Nasir Tawe, Amiruddin Windarsari, Wiwin Riski